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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,377 | $73,009-37.8% | $90,760-50.0% | $68,486-33.7% |
| Participation rate | 64.0% | 70.8%-6.8pp | 75.7%-11.7pp | 67.9%-3.9pp |
| Annual return | -14.20% | -13.81%-0.4pp | -12.16%-2.0pp | -7.85%-6.3pp |
| Employer contribution / active EE | $1,655 | $2,193-24.5% | $2,922-43.4% | $2,597-36.3% |
| Participant deferral / active EE | $3,325 | $3,626-8.3% | $4,565-27.2% | $4,028-17.4% |
| Admin fee / account holder | $1,623 | $5,896-72.5% | $8,444-80.8% | $5,404-70.0% |